There are a lot of people bashing the concept of going to college. I’m not one of them. I believe that every parent should aim for their child to graduate from college. The only exception to this rule however is children of rich parents. Children of rich parents do not have to go to college. The reason that children of rich parents do not have to go to college is because a child of a rich parents has a fall back plan if they fail.

Doing the opposite of everyone else is this concept that a large majority of the time everyone else is mistaken. When a herd all at the same time wants to go in one direction, the one that wants to go in a different direction could be most correct.

On June 1st, 2018 history was made when the first black owned real estate crowdfund was launched. A black owned SEC approved real estate crowd fund platform called “Tulsa Real Estate Fund” raised over 5 million dollars in 24 hours.

An above average black is a black person that has done above average things consistently for a long time. Above Average Black has nothing to do with money though money is one data set that could be used in determining an above average black. An above average black does not have to have money. An above average black is simply a black person that has done something at an extremely high or above average level consistently for a long time.

The method that I used to make it so that the salary gap doesn’t matter is to focus on Networth growth not employee salary growth. Again, Over time, I’ve focused on Networth growth not employee salary growth or even job promotion.

While the investment advice of consistently investing in an index fund such as the S&P is sound advice, it also has one major flaw. The major flaw in the advice to invest in an index funds is that an individual that invests in an index fund has to concede that they are not able to beat the S&P over long periods of time.

The name of the worse book I've ever read is called “The Wealth Choice: Success Secrets of Black Millionaires” by Dr. Dennis Kimbro. I read the book over 5 years ago. I had previously read Napoleon Hill, “Think and Grow Rich” which is an excellent book, so I totally got the formula that Dr Kimbro was going for. The book was conceptually sound but the single largest challenge that I had with the book was the statement that there are only 35k black millionaires in the United States.

My definition of the black 2 percent is defined as, “a black household that has a networth of above one million dollars". Only 2 percent of black american households have a networth of greater than a million dollars. The black 2 percent primarily have a networth that is greater than 98 percent of other Black Americans.